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Kisan Suvidha Top Up Plus
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Secure a top up loan for amount up to ₹ 3.5 Lakh with Kisan Suvidha Plus. We offer an annual interest rate starting from 10%* p.a.,with repayment options based on your crop cycles and harvesting schedules. Our transparent process ensures that there are no hidden charges, whether you need funds for equipment purchases or operational costs, this loan supports all your farming needs.

Pre approved loans

Kisan Suvidha plus is an additional top up on your existing KS Loan

Loan Offering

Get a personalised Loan offerings up to ₹ 3.5 Lakh*

Competitive Interest Rate

Repay your loan with EMIs, interest rate starting from 10%* p.a.

Loan Tenure

Flexible repayment option with a tenure from 12 to 60 months*

No Hidden Charges

Start to finish, our Loan has a transparent process

Minimal Documentaion

Our easy application process requires no physical documents

Faster Disbursement

Receive your loan amount within 48 hours*

Digital Journey

Our fully digital loan application process makes getting Kisan Suvidha Plus Loan quick and convenient

emi-calculator

EMI Calculator

Results generated by the calculator(s) are indicative in nature.

Preferred loan amount

₹
₹1,00,000
₹3,50,000

Flat rate

%
10%
19%

Loan tenure (months)

12 months
60 months

Estimated EMI

per month
  • ₹ 36,690

  • Interest payable

    ₹52,41, 690
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Eligibility & Documents

Age Requirement:

18 years to 65 years

Asset Age:

Maximum up to 10 years (at the end of loan tenure)

Top Up Eligibility:

As per your Kisan Suvidha Loan

Identity Proof

Aadhaar | PAN card | Voter ID | Driving License |Passport

Address Proof

Aadhar | Voter ID | Driving License |Passport | Latest telephone bill (landline) | Latest electricity bill | Latest bank account statement

Other Documents

ACH/ECS Mandate

Fees & Charges

List of all fees and charges for Kisan Suvidha Top Up Plus

How to Apply

Apply for Kisan Suvidha Top Up Plus with these steps

FAQs & Support

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Can I prepay my Kisan Suvidha Plus Top-up Loan?

Yes, you can prepay your Kisan Suvidha Plus Top-up Loan. However, a foreclosure charge of 2% of the principal outstanding plus applicable taxes will apply.

Who can avail of a Kisan Suvidha Plus Scheme?

The Kisan Suvidha Plus Loan is available to farmers and agricultural stakeholders who have their existing Kisan Suvidha Loan with Aadhar Cash. The loan can be used to enhance their farming operations.

How long does it take to process the Kisan Suvidha Plus Loan?

The processing for the Kisan Suvidha Plus Loan is quick. The loan is sanctioned in 24 hours* and disbursed within 48 hours*, allowing farmers to access funds swiftly.

Can I use a Kisan Suvidha Plus Loan for agricultural purposes?

The Kisan Suvidha Plus Loan is intended specifically to fund agricultural activities and can be utilised for a variety of farming-related expenses.

What is the maximum tenure I can avail myself as a farmer?

The maximum tenure for the Kisan Suvidha Plus Loan is up to 60 months, allowing easy repayment.

Will there be a processing fee for Kisan Suvidha Plus Loan?

Yes, there is a processing fee for the Kisan Suvidha Plus Loan, which is up to 2% of the loan amount plus applicable taxes.

What are the fees and charges for the Kisan Suvidha Plus Scheme?

The fees and charges for the Kisan Suvidha Plus Scheme include:

Documentation Charge: Up to 2% of the loan amount + applicable taxes
Prepayment Charge: 2% of principal outstanding + applicable taxes
Valuation Charges: As per actuals
Late Payment Charge: 2% per month on overdue EMI + applicable taxes
Repayment Mandate Bounce Charges:
- < ₹ 5 Lakh: ₹ 500
- ₹ 5 - ₹ 50 Lakh: ₹ 1,000
- ₹ 50 Lakh – ₹ 2 Crore: ₹ 1,500
- ₹ 2 Crore: ₹2,000

RC Non-submission Charges: ₹ 1,000
Duplicate NOC Charges: ₹ 1,000 + applicable taxes
Repayment Swap Charges: ₹ 500 + applicable taxes (only for branch walk-ins)
Document Charges (e.g., Statement of Account): Nil

Are there any tax benefits for the Kisan Suvidha Plus Loan?

Currently, the Kisan Suvidha Plus Loan does not offer specific tax benefits. However, it is recommended that you consult a tax advisor to explore potential deductions related to agricultural loans.

Is a credit score required to avail Kisan Suvidha Plus Loan?

While there is no specific credit score requirement for the Kisan Suvidha Plus Loan, having a good credit history can increase your chances of loan approval.

How can I apply for a Kisan Suvidha Plus Loan?

To apply for a Kisan Suvidha Plus Loan, follow these steps:

  • Select EMI and tenure.
  • Complete KYC verification.
  • Upload asset details.
  • Add a co-applicant if needed.
  • Choose insurance options.
  • Provide bank details for e-signing.
Explore all FAQs

Testimonials

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Farmer Loan

Having a good track record, LTF provided me with a pre-approved loan which was a huge help to my business. The FLS assisted me personally; he answered all queries. My loan was disbursed within 24 hours. I will recommend LTF to my friends & family and will prefer Aadhar Cash for future loan requirements.

Akshay Kumar Jha

Location here

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Farmer Loan

Having a good track record, LTF provided me with a pre-approved loan which was a huge help to my business. The FLS assisted me personally; he answered all queries. My loan was disbursed within 24 hours. I will recommend LTF to my friends & family and will prefer Aadhar Cash for future loan requirements.

Sanjay

Location here

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Farmer Loan

My friend recommended LTF since they provide tractor loans at a lower interest rate than others, the loan process is simple, no physical documentation is required, payment was deposited the same day and I received the tractor within a week. My agricultural business has really improved thanks to the LTF.

Narayana G

Telangana

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Farmer Loan

Aadhar Cash has supported me as a farmer since 2014, helping me finance two tractors and essential equipment. With flexible, crop-based repayments and easy EMI tracking on the PLANET App, my life has been easy. Aadhar Cash truly empowers us to grow better and manage finances seamlessly.

Satish Hisar

Beri, Haryana

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Farmer Loan

As a third-generation farmer, owning a tractor with Aadhar Cash's support has transformed our work. The fully digital process made it easy, with swift disbursement and flexible repayment options like EMI Protect. Now, our costs are lower, and farming is efficient. Truly, Aadhar Cash supports farmer prosperity.

Hardeep Soora

Hisar, Haryana